East Carbon at a glance
- Population: 1,567, the 134th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,555 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 0.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Utah places: 134th of 255 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 47% of Utah places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.5330, -110.4295.
- Nearest larger cities: Wellington, UT (16 mi); Price, UT (20 mi); Helper, UT (25 mi); Huntington, UT (32 mi); Duchesne, UT (44 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Elmo, UT (23 mi); Cleveland, UT (26 mi); Castle Dale, UT (38 mi), each a US Census place.
What a personal loan costs in East Carbon
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Utah lending rules that apply in East Carbon
Each row below is a Utah rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | No general cap — parties may agree to any rate; 10% per annum legal rate if no rate is specified (Utah Code § 15-1-1) Source says: The parties to a lawful written, verbal, or implied contract may agree upon any rate of interest for the contract | Utah State Legislature as of 2026-09-16 |
| Payday lending status | Legal; deferred deposit lenders must register with the Utah DFI (Utah Code Title 7, ch. 23) Source says: It is unlawful for a person to engage in the business of cashing checks or the business of deferred deposit lending in Utah | Utah State Legislature as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer lenders under the Utah Consumer Credit Code (Title 70C) must file a Consumer Credit Notification via NMLS Source says: Entities subject to the UCCC's notification requirement must file a Consumer Credit Notification (CCN) through the Nationwide Multistate Licensing System (NMLS). | Utah Department of Financial Institutions (DFI) as of 2026-09-16 |
| State lending regulator | Utah Department of Financial Institutions (DFI) Source says: The Department of Financial Institutions regulates 19 banks, 22 credit unions, 17 industrial banks and 1 trust company. | Utah Department of Financial Institutions (DFI) as of 2026-09-16 |
How to compare offers in East Carbon
Here is a short checklist for comparing personal loans in East Carbon:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Utah using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.